Do better, together

RateSetter is a peer-to-peer lender. We connect investors who want a better rate on their money with creditworthy borrowers who want a simple, competitive personal loan.

  • Better rates

    Low interest rates to reward good borrowers
  • Fast application

    Easy online application completed in minutes
  • Simple and flexible personal loans

    With no early repayment fees

1 minute RateEstimate

Won't affect your credit score


We think Australian investors should get more and borrowers should pay less, so we cut out the costs and inefficiencies of traditional financial institutions.

An unrivalled track record


Value of personal loans funded


Everyday Australian investors


Capital and interest returned as due

Cleaner, greener returns: our National Clean Energy lending market

Learn more

The most loved peer-to-peer personal loan lender

With more lenders than any other platform and a rating of 4.8 out of 5 by 1543 borrowers and lenders on, RateSetter is the most loved peer-to-peer personal loan lender in Australia.

"I found the interest rate for unsecured finance the best available. The personal loan process was so easy and the staff provided exceptional customer service"

Maria Melbourne

"I had no idea how much I could save. By moving over my personal loan from the bank to RateSetter, I'll be saving myself thousands in interest thanks to their very competitive rates"

Sam Gold Coast

"Very easy and straightforward. The online personal loan application is quick, easy to understand and does most of the work for you. Thank you RateSetter"

Lee Perth

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